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It took me 4 months to increase my Fico score between 71 to..

Moderator Emeritus

It took me 4 months to increase my Fico score between 71 to..

I'm excited, all the advice, daily credit pulls, paying down cc bills, and patience has paid off. My fico scores have increased tremendously by following the advice and guidelines we all talk about here in the forums. I have taken hits in the name of increasing the score in the long run, so when they say you are going to lose points you do, as well as when they say you gain points you do.
 
Here is the short version of the journey:
(Then) Feb '07      (Now)
TU     478                623   + 145
EX     533                604   +   71
EQ     475               589    + 114
 
The long version with monthly updates is listed at:
 
 
I now actually believe the 700 club may be an obtainable goal!
I now have a new goal which is a min of 620 across the board..I will keep you up to date!
Thanks for all the support from my fellow posters!
 
Message 1 of 18
17 REPLIES
Moderator Emeritus

Re: It took me 4 months to increase my Fico score between 71 to..

Outstanding!
Message 2 of 18
Regular Contributor

Re: It took me 4 months to increase my Fico score between 71 to..

wow!  wow! wow!  lady fico you rock.  it took me almost a full year to increase between 125 - 200 points.  how did you do it.  please shareSmiley Very Happy
Message 3 of 18
Valued Member

Re: It took me 4 months to increase my Fico score between 71 to..

Wow! Congrats. That is a huge achievement. I find it hard to believe though. Especially the TU score.
Message 4 of 18
Senior Contributor

Re: It took me 4 months to increase my Fico score between 71 to..

Awesome! :-)
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Message 5 of 18
Super Contributor

Re: It took me 4 months to increase my Fico score between 71 to..

This shows it can be done by legally using the system to help.
 
Congrats
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 6 of 18
Regular Contributor

Re: It took me 4 months to increase my Fico score between 71 to..

EXCELLENT !!!!!!!!!!!!!
Yes. It can be done. That 700 club is def within reach.

Way to go !!
Message 7 of 18
Moderator Emeritus

Re: It took me 4 months to increase my Fico score between 71 to..

Thanks to All for your support!
 
 
Girlie:
Like they say everyone's credit file is unique. What I had that was holding me down was 10 cc that were completely maxed out. By reading and utilizing the info that the contributors here had posted I paid down my cc to an overall credit util of approx 27% from >90%. This proved to be drastic.
 
Also, backing up a little, I had some old collection accounts age to 7 and/or was removed. Dead weight/monkey offback type of stuff.
 
First and foremost on those 10 cc the oldest is approx 5 years old and all the payments with the exception of one or two times for 1 or 2 accounts were never late! High util, but again never late for me was key.
 
So for someone with a similar profile paying down maxed cards was key.
 
Now I am testing another theory which is the effects of inquiries and new accounts on a fico score both the short and long term effects.
 
Good Luck!!!!
 
BTW if this isn't your credit profile give us a little more specifics to see what suggestions we can offer you to get you improved scores!
Message 8 of 18
New Member

How did you do it?

I need help desparately
Message 9 of 18
Moderator Emeritus

Re: It took me 4 months to increase my Fico score between 71 to..

Fabulous, LadyFico! 
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Message 10 of 18